Thanks LadyGeek. Done.
Yes, I was 100% Total Bond. Now I am about 40% Total Bond VBTLX, 30% Vanguard GNMA VFIJX and 30% Vanguard Short Term Investment Grade VFSUX. I am chasing yield and proud of it.
Roger Diwan explains How you end up with negative oil prices: https://twitter.com/RogerDiwan/status/1 ... 5291374592